[go: up one dir, main page]

CA3017127C - Method and system for electronic distribution of controlled tokens - Google Patents

Method and system for electronic distribution of controlled tokens Download PDF

Info

Publication number
CA3017127C
CA3017127C CA3017127A CA3017127A CA3017127C CA 3017127 C CA3017127 C CA 3017127C CA 3017127 A CA3017127 A CA 3017127A CA 3017127 A CA3017127 A CA 3017127A CA 3017127 C CA3017127 C CA 3017127C
Authority
CA
Canada
Prior art keywords
mobile device
identifier
single use
identification value
account
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CA3017127A
Other languages
French (fr)
Other versions
CA3017127A1 (en
Inventor
William J. Good
Joshua FIELDS
Mark SMELCER
Amit PATANKAR
Renee MIRKA
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Mastercard International Inc
Original Assignee
Fields Joshua
Patankar Amit
Smelcer Mark
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Fields Joshua, Patankar Amit, Smelcer Mark, Mastercard International Inc filed Critical Fields Joshua
Publication of CA3017127A1 publication Critical patent/CA3017127A1/en
Application granted granted Critical
Publication of CA3017127C publication Critical patent/CA3017127C/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/229—Hierarchy of users of accounts
    • G06Q20/2295—Parent-child type, e.g. where parent has control on child rights
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/06—Network architectures or network communication protocols for network security for supporting key management in a packet data network
    • H04L63/062—Network architectures or network communication protocols for network security for supporting key management in a packet data network for key distribution, e.g. centrally by trusted party
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0876—Network architectures or network communication protocols for network security for authentication of entities based on the identity of the terminal or configuration, e.g. MAC address, hardware or software configuration or device fingerprint
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computing Systems (AREA)
  • Computer Hardware Design (AREA)
  • General Engineering & Computer Science (AREA)
  • Signal Processing (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • General Health & Medical Sciences (AREA)
  • Child & Adolescent Psychology (AREA)
  • Health & Medical Sciences (AREA)
  • Power Engineering (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Telephonic Communication Services (AREA)

Abstract

A method for distributing controlled tokens to a secondary mobile device includes: storing account profiles, each including an account identifier, set of token credentials, and an associated mobile device identifier; receiving a token distribution request from, a first mobile device including a first mobile device identifier, recipient mobile device identifier, specific account identifier, and account controls; identifying a specific account profile including the specific account identifier and first mobile device identifier; generating a single use identification value and reservation identifier; transmitting the single use identification value to the first mobile device; transmitting the reservation identifier to a second mobile device associated with the recipient mobile device identifier; receiving the reservation identifier and the single use identification value from the second mobile device; verifying the reservation identifier and single use identification value received from the second mobile device; and transmitting a new set of token credentials to the second mobile device.
CA3017127A 2016-03-09 2017-03-07 Method and system for electronic distribution of controlled tokens Active CA3017127C (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US15/065,074 2016-03-09
US15/065,074 US10679214B2 (en) 2016-03-09 2016-03-09 Method and system for electronic distribution of controlled tokens
PCT/US2017/021024 WO2017155905A1 (en) 2016-03-09 2017-03-07 Method and system for electronic distribution of controlled tokens

Publications (2)

Publication Number Publication Date
CA3017127A1 CA3017127A1 (en) 2017-09-14
CA3017127C true CA3017127C (en) 2021-10-26

Family

ID=58361134

Family Applications (1)

Application Number Title Priority Date Filing Date
CA3017127A Active CA3017127C (en) 2016-03-09 2017-03-07 Method and system for electronic distribution of controlled tokens

Country Status (6)

Country Link
US (2) US10679214B2 (en)
EP (1) EP3427207A1 (en)
CN (1) CN109155029B (en)
AU (1) AU2017229124A1 (en)
CA (1) CA3017127C (en)
WO (1) WO2017155905A1 (en)

Families Citing this family (31)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11568380B2 (en) * 2016-03-21 2023-01-31 Mastercard International Incorporated Systems and methods for use in providing payment transaction notifications
US10482492B2 (en) * 2016-04-19 2019-11-19 Mastercard International Incorporated Method and system for platform attribution using digitized tokens
WO2018013144A1 (en) * 2016-07-15 2018-01-18 Visa International Service Association Digital asset distribution by transaction device
US10645079B2 (en) * 2017-05-12 2020-05-05 Bank Of America Corporation Preventing unauthorized access to secured information systems using authentication tokens and multi-device authentication prompts
US10547594B2 (en) * 2017-08-17 2020-01-28 Domanicom Corporation Systems and methods for implementing data communication with security tokens
US11775672B1 (en) * 2017-12-04 2023-10-03 Wells Fargo Bank, N.A. Trust-based application to application connectivity
US11748743B1 (en) 2017-12-04 2023-09-05 Wells Fargo Bank, N.A. Trust-based application to application connectivity
US10430790B2 (en) 2018-02-05 2019-10-01 Capital One Services, Llc Real-time processing of requests related to facilitating use of an account
WO2019173081A1 (en) * 2018-03-08 2019-09-12 Mastercard International Incorporated Systems and methods for digitizing payment card accounts
SG11202009502UA (en) * 2018-03-27 2020-10-29 Visa Int Service Ass System and method for authorizing and provisioning a token to an appliance
US11263621B2 (en) 2018-12-27 2022-03-01 Paypal, Inc. Parent level token issuance for asynchronous data processing based on device trust levels
US11810105B2 (en) 2019-06-20 2023-11-07 Visa International Service Association System and method for authorizing and provisioning a token to an appliance
US11842328B2 (en) * 2019-10-24 2023-12-12 Mastercard International Incorporated Systems and methods for provisioning a token to a token storage device
US11354634B2 (en) 2020-01-02 2022-06-07 Bank Of America Corporation System for layered digital resource distribution in an electronic network environment
US11989739B2 (en) * 2020-06-19 2024-05-21 Apple Inc. System and method for identity verification
US11651344B2 (en) * 2020-12-15 2023-05-16 Toast, Inc. System and method for transaction handoff and completion employing indirect token
US12067547B2 (en) 2020-12-15 2024-08-20 Toast, Inc. Point-of-sale terminal for transaction handoff and completion employing indirect token
US11651342B2 (en) 2020-12-15 2023-05-16 Toast, Inc. Point-of-sale terminal for transaction handoff and completion employing ephemeral token
US11475427B2 (en) 2020-12-15 2022-10-18 Toast, Inc. Server for transaction handoff and completion employing ephemeral token
US11475426B2 (en) * 2020-12-15 2022-10-18 Toast, Inc. System and method for transaction handoff and completion employing ephemeral token
CN112950219B (en) * 2021-03-09 2023-10-27 支付宝（中国）网络技术有限公司 Payment Processing Methods and Systems
US11994964B2 (en) * 2021-05-28 2024-05-28 Paypal, Inc. Dynamic node insertion of secondary services for high-availability during main decision failure at runtime
WO2022271738A1 (en) * 2021-06-22 2022-12-29 Visa International Service Association Method and system for processing action data
IL285030B (en) * 2021-07-21 2022-04-01 Nayax Ltd System, device and method for digital payment
US11580058B1 (en) 2021-08-30 2023-02-14 International Business Machines Corporation Hierarchical ring-based interconnection network for symmetric multiprocessors
US12405826B2 (en) 2021-08-30 2025-09-02 International Business Machines Corporation Reservation mechanism for nodes with phase constraints
US12265850B2 (en) 2021-08-30 2025-04-01 International Business Machines Corporation Reservation mechanism for node with token constraints for preventing node starvation in a circular topology network
CN115150093B (en) * 2022-06-13 2025-02-28 支付宝(杭州)信息技术有限公司 Multi-device assisted authentication method and system
US12190305B2 (en) * 2022-06-28 2025-01-07 Capital One Services, Llc Systems and methods for accounts with multiple profiles
US20240104647A1 (en) * 2022-09-26 2024-03-28 Affirm, Inc. Method and apparatus for mapping of planned purchases with pre-approved financing terms to financial transactions
EP4506877A1 (en) * 2023-08-08 2025-02-12 Mastercard International Incorporated Payment redirection system

Family Cites Families (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2001167173A (en) 1999-12-08 2001-06-22 Sony Corp Information distribution system and information management method
EP1132873A1 (en) 2000-03-07 2001-09-12 THOMSON multimedia Electronic wallet system
JP2002269279A (en) 2001-03-13 2002-09-20 Mitsunobu Ueda Transfer management method for on-line ticket and management server system
US7266832B2 (en) * 2001-06-14 2007-09-04 Digeo, Inc. Advertisement swapping using an aggregator for an interactive television system
CN102592239A (en) * 2005-04-19 2012-07-18 微软公司 Network commercial transactions
US20100223184A1 (en) * 2006-10-11 2010-09-02 Visa International Service Association Sponsored Accounts For Computer-Implemented Payment System
US7934642B2 (en) * 2006-11-10 2011-05-03 Diebold Self-Service Systems Division Of Diebold, Incorporated Method of operating banking system responsive to data bearing records
DE602007012538D1 (en) * 2007-07-27 2011-03-31 Ntt Docomo Inc Method and apparatus for performing delegated transactions
US8758111B2 (en) * 2008-08-20 2014-06-24 Cfph, Llc Game of chance systems and methods
US20110145152A1 (en) * 2009-12-15 2011-06-16 Mccown Steven Harvey Systems, apparatus, and methods for identity verification and funds transfer via a payment proxy system
US20120036075A1 (en) * 2010-08-09 2012-02-09 Microsoft Corporation Determining mobile account to apply marketplace charges
US20130018790A1 (en) * 2011-07-13 2013-01-17 Ebay Inc. Universal addressing scheme
US20130046690A1 (en) * 2011-08-15 2013-02-21 Bank Of America Corporation System and method for credential lending
GB201114351D0 (en) * 2011-08-19 2011-10-05 Paternoster Holdings Llc Game entry
US8682802B1 (en) * 2011-11-09 2014-03-25 Amazon Technologies, Inc. Mobile payments using payment tokens
US8925805B2 (en) 2012-08-15 2015-01-06 Bank Of America Corporation Pre-set readable indicia to facilitate payment during a transaction with a merchant when there is limited network connectivity
US10235692B2 (en) * 2012-10-17 2019-03-19 Groupon, Inc. Consumer presence based deal offers
CN105164708A (en) * 2013-01-30 2015-12-16 贝宝公司 Transaction Token Issuer
HK1213349A1 (en) * 2013-04-04 2016-06-30 维萨国际服务协会 Method and system for conducting pre-authorized financial transactions
HK1219163A1 (en) * 2013-05-15 2017-03-24 维萨国际服务协会 Mobile tokenization hub
GB2516828A (en) * 2013-07-25 2015-02-11 Visa Europe Ltd Processing electronic tokens

Also Published As

Publication number Publication date
EP3427207A1 (en) 2019-01-16
CN109155029A (en) 2019-01-04
BR112018067885A8 (en) 2023-04-11
US20170262841A1 (en) 2017-09-14
BR112018067885A2 (en) 2019-01-08
US20200279250A1 (en) 2020-09-03
WO2017155905A1 (en) 2017-09-14
CA3017127A1 (en) 2017-09-14
US10679214B2 (en) 2020-06-09
CN109155029B (en) 2023-04-28
AU2017229124A1 (en) 2018-09-27
US11151556B2 (en) 2021-10-19

Similar Documents

Publication Publication Date Title
CA3017127C (en) Method and system for electronic distribution of controlled tokens
EP3828791A4 (en) Mobile power bank scheduling method and system, and scheduling server and device
EP4271016A3 (en) Enhanced authentication based on secondary device interactions
EP3713359A3 (en) User equipment-side apparatus and method
EP4468765A3 (en) Managing credentials of multiple users on an electronic device
MX359506B (en) Setting method and device for managing account of intelligent device.
MX2018001494A (en) Controlling a device cloud.
GB2535104A (en) Apparatus and method for managing access to a resource
SG11201811458SA (en) Object allocation method and device
MY196178A (en) Method And Nodes For Integrating Networks
EP4329419A3 (en) Systems and methods of recommending a data rate in a wireless communications system
MX2021000057A (en) Token state synchronization.
PH12020500111A1 (en) Prioritized random access procedure
MX2018001498A (en) Controlling a device cloud.
MX340495B (en) Social hotspot.
MX2017000430A (en) Networked access control system.
WO2014208033A3 (en) Secure discovery for proximity based service communication
MX2015017317A (en) Frequency spectral management apparatus and method, geographical location database and secondary system apparatus.
MX2016007217A (en) Method and system for secure authentication of user and mobile device without secure elements.
MX365872B (en) Wireless network access method, device and system.
MX342852B (en) Method and system for authorizing an action at a site.
EP4303798A3 (en) Card registration method for payment service and mobile electronic device implementing the same
PH12016502598A1 (en) Security control system for granting access and security control method thereof
PH12020550626A1 (en) Acess control methods and apparatus for radio systems
MX2022007782A (en) Systems and methods for scalable, reliable, and distributed spectrum access system processing.

Legal Events

Date Code Title Description
EEER Examination request

Effective date: 20180907